Will My Car Insurance Cover My Needs While Traveling?

Will My Car Insurance Cover My Needs While Traveling

While your daily driving safety and insurance needs might be covered, traveling can create a whole host of challenges. One way you can stay safer on an upcoming road trip is to prepare in advance for your travels, including your insurance needs. Checking on your car insurance rates and features can help you feel covered when you are out of town. Here are four nuances you should keep in mind before you gear up for your next road trip.

Will You Be the Only Driver?
It is a good idea to look over your auto insurance policy’s fine print, especially when it comes to other drivers. You might be planning on breaking up driving responsibilities for your upcoming trip, but if you aren’t on the same insurance plan, you might run into trouble if you get into an accident. Be sure to check in with your travel companion to see what their personal auto insurance coverage is and that their license is up-to-date. You can also give a call to your insurance to see if you can add their name as a driver to your car. This will protect you on the road if something does happen and you weren’t the one driving.

Are You Traveling to Move?
Your auto insurance might be perfect for traveling, but this might not be the case if you are traveling for a permanent move. Don’t forget that you will need to take some steps in your new home state to get your car registered locally and make sure that your car insurance rates and plan can be updated. If you will have your car packed to the brim with your personal items for a move, you could be a target for an auto break-in. This type of theft and subsequent damage might not be covered with your auto insurance, so discuss options with your insurance agency before you are in an emergency situation. You may be able to add on homeowners or renters insurance that can cover items in case they go missing or get damaged in an accident or break-in.

Will You Be Traveling With Your Family?
While you might be confident in your auto insurance coverage for your next big trip, this doesn’t mean you shouldn’t take precautions to make your trip as safe as possible, especially if you are with your family. The DMV has basic travel safety tips that should be followed in order to stay out of trouble when on the road. Emergency kits with extra food, water, and blankets are always good to bring along, as well as a car jack, chains, and battery charging cables. Check in with your auto insurance provider to see what type of roadside assistance they offer. Take your car in to your local auto shop before your trip to make sure your car is up for long distance travel as well.

Will You Be Traveling Outside of the US?
For the most part, car insurance should cover one’s needs when traveling in the United States. If you are traveling outside of the US, however, this should be discussed with your insurance company. You might want to check your car insurance rates to make sure that your upcoming trip is covered. If your car won’t be covered on a trip to Canada or Mexico, you can look into additional insurance, or possibly rent a car that has insurance for this type of trip.

Keep your insurance up-to-date and have this information on you at all times in case you find yourself in a bind. It is always a good idea to compare car insurance rates and the specific types of coverage insurance companies offer before your next road trip.